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Account numbers not listed in bk paperwork

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    #1

    Account numbers not listed in bk paperwork

    I turned in my paperwork to the atty on Monday, but something's been bugging me and I don't know if I should be concerned or not. The creditor information I filled out, for secured and unsecured, did not ask for any account numbers. I had called their office before I dropped off the stuff and whoever answered the phone said they no longer list account numbers in the bankruptcy. Is that right? One thing I'm thinking about is later down the road if one of an OC or CA tries to collect after the bk, or I need to dispute the way something's listed on a credit report, will I be in trouble because acct nbrs were not included in the bk?
    04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.
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    #2
    I had to put the account numbers on mine.
    Ch. 7 filed: 6/13/08, Friday the 13th!
    341 hearing: 7/10/08
    Last day for objections: 9/8/08
    Discharged: 9/18/08

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      #3
      You can always amend them in later if need be, but it is true that you do not necessarily have to have the account numbers, just proper addresses.
      May 31st, 2007: Petition Filed by my lawyer
      July 2nd, 2007: 341 Meeting Held
      September 4th, 2007: Discharged and Closed.

      Comment

        #4
        I had to put the account numbers on mine.
        Right, I've read some thread where people are asking about not having the full account numbers which tells me other people are listing that information and thus has me a bit concerned that my attorney isn't listing them.

        You can always amend them in later if need be, but it is true that you do not necessarily have to have the account numbers, just proper addresses.
        Do you mean if my attorney doesn't want my acct nbrs because he doesn't list them anymore when he does bks, to just amend it myself? If they're not required, then that's fine and I'll leave it at that, except as I said I'm worried about being able to prove exactly which accts were included in the bk. (ie: a couple years from now I go to buy a house but there's a debt that's not listed correctly as being IIBK, and I want to show the mortgage lender that the debt was indeed IIBK, but without an acct nbr I foresee it could be a plm.) BTW, I haven't actually filed yet as I'm still waiting for the atty to finish the rough draft for my review.
        04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.

        Comment

          #5
          Well, I've been doing all sorts of google searches trying to find more information on what I'm asking, but I can't even find one reference to the fact that account numbers aren't needed. I guess I'm not putting in the right search words?

          Another reason I'm asking about this is because I'm filing singly and it's been recommended that I list my husband's debts as well because I'm in a communtiy property state. One debt he has on his credit report is a phone company bill in his name for $1,500. I did put that debt down on the bk paperwork, but won't that creditor get notice and look under my name and ssn and just shrug and toss it aside because they won't know to look under his name and his ssn?

          Any thoughts on this and my originial question just above? Anyone?
          04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.

          Comment

            #6
            I had to list the account numbers, however I think it covers us as the filier more so. Accounts(original) can get sold numerous times and I think it could differentiate an account being one in the same. Does that make any sense? I know what Im trying to say just cnnot not articulate it well ...
            04/25/08 Filed chap 7
            05/23/08 phone conference with trustee
            05/30/08 341 set
            07/29/08 Last day for objections

            Comment

              #7
              Originally posted by gymbofreak View Post
              I had to list the account numbers, however I think it covers us as the filier more so. Accounts(original) can get sold numerous times and I think it could differentiate an account being one in the same. Does that make any sense? I know what Im trying to say just cnnot not articulate it well ...
              Thanks for the reply. I understand what you're saying and that's why I don't understand not listing them in the bk. If I should ever need to show someone that a debt was discharged I would very much like to point to the originial creditor name and the corrosponding account number that matches what the the CA or whoever is trying to collect on. Hmm.
              04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.

              Comment

                #8
                Originally posted by TX Bluebonnet View Post
                Right, I've read some thread where people are asking about not having the full account numbers which tells me other people are listing that information and thus has me a bit concerned that my attorney isn't listing them.



                Do you mean if my attorney doesn't want my acct nbrs because he doesn't list them anymore when he does bks, to just amend it myself? If they're not required, then that's fine and I'll leave it at that, except as I said I'm worried about being able to prove exactly which accts were included in the bk. (ie: a couple years from now I go to buy a house but there's a debt that's not listed correctly as being IIBK, and I want to show the mortgage lender that the debt was indeed IIBK, but without an acct nbr I foresee it could be a plm.) BTW, I haven't actually filed yet as I'm still waiting for the atty to finish the rough draft for my review.
                No you shouldn't do it. Basically all they need is your SSN and your address and they can look up your account number. Thus it is not really necessary to have the account numbers. Many folks do list them to speed things up.
                May 31st, 2007: Petition Filed by my lawyer
                July 2nd, 2007: 341 Meeting Held
                September 4th, 2007: Discharged and Closed.

                Comment

                  #9
                  Originally posted by JRScott View Post
                  No you shouldn't do it. Basically all they need is your SSN and your address and they can look up your account number. Thus it is not really necessary to have the account numbers. Many folks do list them to speed things up.
                  Thank you. Then if I'm understanding correctly, there's no point in me listing my husband's debts that could become my debts one day if any of his creditors decide to come after me, the wife, some day since we're in a community state. Who knew one of the questions to ask an attorney during a consult is if they list account numbers or not.
                  04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.

                  Comment

                    #10
                    No you should only list debts that are in your name
                    May 31st, 2007: Petition Filed by my lawyer
                    July 2nd, 2007: 341 Meeting Held
                    September 4th, 2007: Discharged and Closed.

                    Comment

                      #11
                      Originally posted by JRScott View Post
                      No you should only list debts that are in your name
                      Oh, I must have misunderstood what was said in another thread. Well, in that case, uh... sorry for all the drama.
                      04/04/08- Notice of deficiency balance due from a repo. 04/18/08- Fico scores w/repo listed: EXP 624, TRAN 610, EQU 610. 04/19/08- Found this forum. 04/24/08- Retained attorney for a chapter 7, filing singly. 5/5/08- Turned in bk paperwork to atty. 5/27/08- Date set for reviewing paperwork.

                      Comment

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